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Putting service before profit

At First Response Finance we put customers at the heart of everything that we do. We understand that helping you, our customer, as much as we can before, during and after your agreement will make us stand out from the competition. We don’t think like most finance companies and we don’t want to. Our unique way of thinking and doing business is one of the reasons we were voted Car Dealer Magazine’s “Sub-Prime Finance Provider of the Year” 2016 and we’re also rated as the UK’s favourite car finance company on Review Centre under the category ‘car loans’.

With First Response Finance you can be sure that our team will ensure your personal circumstances are taken into account and catered for – this is because we treat you as a person, not a number.

Apply for pre-approval with us

At First Response Finance we understand that some people find getting approved for finance once they’ve found a car can be stressful and time-consuming. In order to avoid this stress we suggest that you apply for pre-approval before you search for your car, this way you will know the maximum amount you can spend and you won’t be rushed into choosing your dream car.

Have trouble with getting credit? Don’t worry, First Response Finance is classed as a ‘sub-prime’ lender, which means that we specialise in helping people who have had poor, bad or limited credit files in the past.

Think you’re ready to apply? Make sure you read our application dos and don’ts and ensure you have all of your information ready.

First Response statistics

The product we offer is Hire Purchase which is one of the most popular ways to finance a vehicle within the UK. Whether you’re looking for van finance for your personal or business needs, bike finance for weekend riding or looking for a much needed car, our Hire Purchase product could help you.

Hire Purchase Pros & Cons

Pros

Simple to arrange

Fixed monthly payments

Fixed interest rates

Flexible term lengths - between 18-60 months

The vehicle belongs to you after the final payment

Deposits are not required

No annual mileage restrictions (unlike PCP)

You are protected under the Consumer Rights Act 2015

Cons

The vehicle is at risk of repossession if you do not keep up repayments

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Read our Reviews

★★★★★ - Rated 5 Stars By 2,430 Users

"Needed to make a quick decision on how to finance a new car as cost of current car to re-MOT not merited. Called on early Saturday afternoon and was dealth with very efficiently and swiftly. I was able to collect my new car within 72 hours of that call!! Excellent service" - 25/05/2017 by Gavingray